Important information - investment value can go up or down and you could get back less than you invest. If you're in any doubt about the suitability of a Stocks & Shares ISA, you should seek independent financial advice. The tax treatment of this product depends on your individual circumstances and may change in future. If you are uncertain about the tax treatment of the product you should contact HMRC or seek independent tax advice.
What is a Junior Stocks and Shares ISA?
A Junior Stocks and Shares ISA, also known as a JISA, is a tax-efficient savings and investment account for under 18s.
You can only open a Junior ISA if you are the child’s parent or guardian, but anyone can pay into it after that. As the parent or guardian, it’s your responsibility to manage the cash and investments in the account on the child’s behalf.
A Junior Stocks and Shares ISA could give your child better returns than cash savings – but this is not guaranteed. If you are unsure about whether you should invest, then seek independent advice.
Junior ISA at a glance
- Only a parent or guardian can open a Junior ISA
- Choose from one of the widest range of investments with an ii Junior Stocks and Shares ISA
- Contribute up to £9,000 per tax year
- Your child can withdraw their savings when they turn 18 – or they can carry on investing in an adult ISA
- Profits made in a Junior ISA are free from UK tax
How much can I invest in a Junior ISA?
You can save up to £9,000 a year in a JISA. Your child can access the funds in the Junior ISA when they turn 18.
Learn more about the Junior ISA annual allowance.
Give their savings a JISA jump-start
We all want our children to succeed, and a Junior ISA can help them put their strongest financial foot forward.
By saving regularly and investing wisely, your child could have tens of thousands by the time they turn 18.
They could buy their first car, cover university expenses, go travelling or carry on building their first investment portfolio.
Why choose interactive investor?
- Our low, flat fees mean more of your money can grow in your child’s ISA, giving them a better start in life - instead of being eaten up in fees.
- Over 400,000 people already trust us with their investments.
- Our customers have rated us as 'excellent' on Trustpilot (4.7 out of 5).
- We offer one of the widest choice of investments in the market - and the expert insights to help you choose.
- And if you're not satisfied with our service, it's completely free to leave.
Our Junior ISA pricing
Our Junior ISA is free as part of our easy monthly subscription plans, which you can change at any time.
You’ll need to be on our Investor or Super Investor plan to open an ii Junior ISA account. The great thing is, you can open as many Junior ISAs for as many children as you have.
- Investor plan: £11.99 a month. Our most popular plan. Includes free regular investing and your first trade free every month. Add as many Junior ISAs as you have children. Additional UK and US trades are £3.99.
- Super Investor plan: £19.99 a month. For our premium plan, and your first two trades free each month. Add as many Junior ISAs as you have children. Additional UK and US trades only £3.99.
All our plans allow you to invest as little as £25 a month using our free regular investing service.
Other fees such as stamp duty and foreign exchange charges may apply.
Junior ISAs are not available on our Investor Essentials, Pension Essentials and Pension Builder plans.
How to open a Junior ISA
It is quick and easy to open a Junior Stocks and Shares ISA. You must have an ISA or Trading Account before you can add or transfer a Junior ISA.
Before applying, please read our Junior ISA Key Features and our Junior ISA Terms.
New customers:
- Open an ii Stocks and Shares ISA or an ii Trading Account.
- Subscribe to either our Investor or Super Investor plan.
- Then add a Junior ISA at no extra cost.
Existing customers:
- Log in to your ii account.
- Click ‘Add an account’ from the ‘Person’ icon.
- Then select our Junior ISA.
Parental Responsibility: This is an HMRC requirement. Please be aware that grandparents do not automatically have parental responsibility.
Risk warning: The value of any investment can go down as well as up and your child might not get back what was originally invested. The tax treatment of a Junior ISA depends on individual circumstances and tax rules may change. If you’re unsure about the suitability of a Junior ISA or any investment please speak to a suitably qualified financial adviser.
Investing with a JISA
With an ii JISA, you can access a full range of investment options, including shares, funds, bonds, investment trusts and ETFs.
Need inspiration? Our range of tools could help you find the right investments:
Junior ISA FAQs
Learn more about our Junior ISA
Make use of our guides to get up to speed on all there is to know about our Junior ISA.
Our awards
- Boring Money Best Buy ISA 2024
- Boring Money Best Buy Low Cost ISA over 50k 2024
